Virginia Cooperative Extension ServiceSimmons, Helen M.Webb, Anita H.Sporakowski, Michael J.2015-08-052015-08-051977http://hdl.handle.net/10919/55369v, 75 pagesapplication/pdfen-USVirginia Cooperative Extension materials are available for public use, re-print, or citation without further permission, provided the use includes credit to the author and to Virginia Cooperative Extension, Virginia Tech, and Virginia State University.LD5655 .A762Finance, PersonalExtension publication7469338